INNOVATSION SUG‘URTA XIZMATLARINI JORIY ETISH ORQALI IXTIYORIY SUG’URTA XIZMATLARINI TAKOMILLASHTIRISH

Nodirjon Xayitov

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3, issue 12

Abstract: Ushbu maqolada innovatsion sug‘urta xizmatlarini joriy etish orqali ixtiyoriy sug‘urta xizmatlarinitakomillashtirish masalalari tahlil qilingan. Tadqiqotda raqamli transformatsiya, sun’iy intellekt, telematika, IoT,anderrayting tizimlari, mobil ilovalar, antifrod va blokcheyn texnologiyalarining sug‘urta jarayonlariga ta’siri ilmiy asosdayoritilgan. Sug‘urta mahsulotlari klassifikatsiyasining mavjud yondashuvlari qayta ko‘rib chiqilib, iste’molchi talabi hamdainnovatsion texnologiyalar asosida yangi guruhlash mezonlari taklif etilgan. InsurTech evolyutsiyasi 1.0 → 2.0 → 3.0bosqichlari asosida raqamli sug‘urta bozorining transformatsiyasi, risk skoringning yangi metodologiyasi, kiberxavfva parametrik sug‘urtaning o‘sib borishi amaliy misollar bilan ko‘rsatib berilgan. Tahlillar sug‘urta kompaniyalariningoperatsion samaradorligi, mijozlarga yo‘naltirilgan xizmatlar sifati va bozor raqobatbardoshligini oshirishda sun’iy intellekttexnologiyalarining muhim rolini tasdiqlaydi

Keywords: innovatsion sug‘urta; InsurTech; sun’iy intellekt; ixtiyoriy sug‘urta; telematika; risk skoring. (search for similar items in EconPapers)
Date: 2025
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DOI: 10.5281/zenodo.17952169

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